Creditors can attack the initial capitalization of an entity as fraudulent under a doctrine termed "piercing of the veil" of limited liability.
Creditors also can attack withdrawals, as well as the creation of liens, as fraudulent conveyances (see our discussion, "How to Avoid Asset Transfer Challenges").
Be especially cognizant of the entity's financial position (assets minus liabilities) when creating liens because insolvency can be a basis for creditors to attack these transfers.
A good practice is to leave a portion of the assets contributed for the equity interest unencumbered. This practice is insurance that the entity will not be insolvent, from a balance sheet analysis, when liens and other transfers take place.